Use It As Protection Against Unscrupulous Merchants:

One of the less appreciated benefits of a credit card is that you are protected when a merchant fails to deliver the goods or services you paid for, or what you received was substantially different that what was described. To get your money back, you simply have to contact your credit card issuer and request a chargeback. A temporary credit for the amount in dispute is immediately received, and it becomes permanent once the card issuer has researched and substantiated your claim.

Try To Get A Big Sign-Up Bonus:

Credit Card issuers are willing to go to great lengths to get new customers. So much so, that many cards will offer new applicants valuable points, miles, or cash back, just for a chance to earn their business. Travel rewards enthusiasts commonly earn enough points or miles from a single sign-up bonus to pay for a hotel or flight that would have cost more than they expected.

Read More: Top Money Mantras from Investment Gurus, 2016

Budget 2016-17: Social Sector Demands Double Sin Tax on Tobacco Products, Alcohol